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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000086312-04-000080.txt : 20041005
<SEC-HEADER>0000086312-04-000080.hdr.sgml : 20041005
<ACCEPTANCE-DATETIME>20041005161002
ACCESSION NUMBER:		0000086312-04-000080
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041001
FILED AS OF DATE:		20041005
DATE AS OF CHANGE:		20041005

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ST PAUL TRAVELERS COMPANIES INC
		CENTRAL INDEX KEY:			0000086312
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				410518860
		STATE OF INCORPORATION:			MN
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		385 WASHINGTON ST
		CITY:			SAINT PAUL
		STATE:			MN
		ZIP:			55102
		BUSINESS PHONE:		6123107911

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ST PAUL FIRE & MARINE INSURANCE CO/MD
		DATE OF NAME CHANGE:	19990219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ST PAUL COMPANIES INC/MN/
		DATE OF NAME CHANGE:	19990219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ST PAUL COMPANIES INC /MN/
		DATE OF NAME CHANGE:	19920703

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BERKOWITZ HOWARD P
		CENTRAL INDEX KEY:			0000315077

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10898
		FILM NUMBER:		041066228

	BUSINESS ADDRESS:	
		STREET 1:		C/O TRAVELERS PROPERTY CASUALTY CORP
		STREET 2:		ONE TOWER SQU
		CITY:			HARTFORD
		STATE:			CT
		ZIP:			06118
		BUSINESS PHONE:		8602770111

	MAIL ADDRESS:	
		STREET 1:		C/O TRAVELERS PROPERTY CASUALTY CORP
		STREET 2:		ONE TOWER SQU.
		CITY:			HARTFORD
		STATE:			CT
		ZIP:			06118
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0000315077d20041005f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-10-01</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000086312</issuerCik>
        <issuerName>ST PAUL TRAVELERS COMPANIES INC</issuerName>
        <issuerTradingSymbol>STA</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000315077</rptOwnerCik>
            <rptOwnerName>BERKOWITZ HOWARD P</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>THE ST. PAUL TRAVELERS COMPANIES, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>385 WASHINGTON STREET</rptOwnerStreet2>
            <rptOwnerCity>ST. PAUL</rptOwnerCity>
            <rptOwnerState>MN</rptOwnerState>
            <rptOwnerZipCode>55102</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-10-01</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>378.1</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>33.06</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>10409.12</value>
                    <footnoteId id="F2"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Options (Right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>29.54</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2003-09-25</value>
            </exerciseDate>
            <expirationDate>
                <value>2012-09-25</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2167</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2167</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Options (Right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>37.4</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2005-07-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2014-07-28</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3889</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3889</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Options (Right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>37.87</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2004-04-24</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-04-24</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2167</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2167</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>4.5% Convertible Jr. Subordinated Notes due 2032</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>53.37</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2003-03-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2032-04-15</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityValue>
                    <value>177500</value>
                </underlyingSecurityValue>
            </underlyingSecurity>
            <postTransactionAmounts>
                <valueOwnedFollowingTransaction>
                    <value>177500</value>
                    <footnoteId id="F3"/>
                </valueOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">These are deferred common stock units acquired pursuant to the Company's 2004 Stock Incentive Plan and the Deferred Compensation Plan for Non-Employee Directors.  The deferred common stock units are converted into shares of Company common stock on a one-for-one basis upon distribution.  Distribution of shares of common stock occurs six months after a director's service on the Board terminates or upon another date or dates designated by the director pursuant to the Company's Deferred Compensation Plan for Non-Employee Directors.</footnote>
        <footnote id="F2">Includes: (1) the 378.10 shares of deferred common stock units being reported,  (2) 4,159.19 shares of deferred, unissued Common Stock previously granted pursuant to the Travelers Property Casualty Corp. Compensation Plan for Non-Employee Directors, (3) 1,649.63 shares of deferred common stock units previously granted pursuant to the Company's Deferred Compensation Plan for Non-Employee Directors, and (4) 62.2 shares of deferred common stock units acquired pursuant to dividend reinvestment features of those plans which will be distributed as described in footnote 1 above.</footnote>
        <footnote id="F3">Mr. Berkowitz beneficially owns $177,500 principal amount of Travelers Property Casualty Corp. 4.5% Convertible Junior Subordinated Notes Due 2032.  The Notes may be converted into shares of St. Paul Travelers Common Stock after March 27, 2003 at an initial conversion rate of .4684 of a share of St. Paul Travelers Common Stock for each $25 principal amount of the Notes (or $53.37).  The initial conversion rate of $53.37 is subject to adjustment upon the occurrance of certain events.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Anthony M. Pepper, Attorney-in-Fact</signatureName>
        <signatureDate>2004-10-05</signatureDate>
    </ownerSignature>
</ownershipDocument>

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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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