blue with the flag of the UK in the upper hoist-side quadrant and the Montserratian coat of arms centered in the outer half of the flag
the arms feature a woman in green dress, Erin, the female personification of Ireland, standing beside a yellow harp and embracing a large dark cross with her right arm
Erin and the harp are symbols of Ireland reflecting the territory's Irish ancestry
blue represents awareness, trustworthiness, determination, and righteousness
