POWER OF ATTORNEY

Know all by these presents, that the undersigned
hereby constitutes and appoints each of
John A. MacColl, Bruce A. Backberg, Paul H. Eddy,
Christopher E. Gerst and Anthony M. Pepper, signing
individually, the undersigned's true and lawful
attorney-in-fact to:

(1)execute for and on behalf of the undersigned,
in the undersigned's capacity as an officer of The
St. Paul Travelers Companies, Inc. or one of its
subsidiaries (together the "Company"), Forms 3, 4 and 5,
and any amendments thereto, in accordance with
Section 16(a) of the Securities Exchange Act of 1934
and the Sarbanes-Oxley Act of 2002, as amended, and
the rules thereunder;

(2)execute for and on behalf of the undersigned,
in the undersigned's capacity as a director of the
Company, Form 144, and any amendments thereto, in
accordance with the Securities Exchange Act of 1933
and the rules thereunder;

(3)do and perform any and all acts for and on behalf
of the undersigned which may be necessary or
desirable to complete and execute any such
Forms 3, 4, 5 and 144, and any amendments thereto,
and timely file such forms with the United States
Securities and Exchange Commission and any stock
exchange or similar authority; and

(4)take any other action of any type whatsoever
in connection with the foregoing which, in the
opinion of such attorney-in-fact, may be of benefit
to, in the best interest of, or legally required by,
the undersigned, it being understood that the
documents executed by such attorney-in-fact on
behalf of the undersigned pursuant to this Power
of Attorney shall be in such form and shall contain
such terms and conditions as such attorney-in-fact
may approve in such attorney-in-fact's discretion.

The undersigned hereby grants to each such
attorney-in-fact full power and authority to do and
perform any and every act and thing whatsoever
requisite, necessary, or proper to be done in the
exercise of any of the rights and powers herein granted,
as fully to all intents and purposes as the undersigned
might or could do if personally present, with full power
of substitution or revocation, hereby ratifying and
confirming all that such attorney-in-fact, or such
attorney-in-fact's substitute or substitutes, shall
lawfully do or cause to be done by virtue of this
power of attorney and the rights and powers herein
granted.  The undersigned acknowledges that the
foregoing attorneys-in-fact, in serving in such
capacity at the request of the undersigned, are
not assuming, nor is the Company assuming, any
of the undersigned's responsibilities to comply with
the Securities Exchange Act of 1934 or the Securities
Act of 1933 and the Sarbanes-Oxley Act of 2002.

This Power of Attorney shall remain in full force
and effect until the undersigned is no longer required
to file Forms 3, 4, 5 and 144 with respect to the
undersigned's holdings of and transactions in securities
issued by the Company, unless earlier revoked by the
undersigned in a signed writing delivered to the
foregoing attorneys-in-fact.

IN WITNESS WHEREOF, the undersigned has caused
this Power of Attorney to be executed as of this
30th	day of March 2004.

/s/ Douglas G. Elliot
Signature
Name:  Douglas G. Elliot