All four tools have complete input schemas with proper JSON Schema structure and type definitions. However, descriptions are severely compromised by feature-gating language ('Backend pending Q3 2026') that obscures actual tool purpose. Tool names lack action verbs (quote_policy, bind_policy, claim_status, parametric_trigger_check are noun-heavy or passive). Parameters have descriptions but lack enums for constrained values (risk_type should enumerate valid categories). No output schemas documented. No error handling guidance beyond generic 503 feature-gate response. Tools are read-only or write operations but lack explicit destructiveHint/readOnlyHint annotations. The server is essentially a scaffold with no functional backend, making it unsuitable for production use.

• Rewrite tool descriptions to focus on actual semantics, not backend status. E.g., 'Get a premium quote for parametric insurance. Accepts risk type, coverage amount (USD), and term length. Returns quote_id and estimated premium.' Remove feature-gating language.
• Rename tools with action verbs: quote_policy → get_quote, bind_policy → create_policy, claim_status → get_claim_status, parametric_trigger_check → check_trigger_condition.
• Convert risk_type to an enum: ['flight_delay', 'crop_yield', 'protocol_hack', 'weather', ...]. Document all valid categories in the parameter description.
• Document output schemas for all tools. E.g., quote_policy returns {quote_id: string, premium_usd: number, term_days: number, risk_type: string}.
• Add tool annotations: bind_policy with destructiveHint=true; quote_policy, claim_status, parametric_trigger_check with readOnlyHint=true.