Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the simplicity of the tool (one parameter, no output schema), the description is largely complete. It explains what is returned (premium, coverage, risk factor breakdown) and the key precondition (docked at base). It lacks explicit error scenarios, but for a quote tool this is adequate, and the annotations cover safety. Slight improvement would be mentioning that the quote is for the 'current ship' as the only ship context, which is already there.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.