EXHIBIT 99


NEWS RELEASE


St. Paul Travelers Estimates Hurricane Frances Losses

SAINT PAUL, Minn.--Sept. 24, 2004--The St. Paul Travelers Companies, Inc. (St.
Paul Travelers, NYSE: STA) announced today that it estimates losses from
Hurricane Frances to be approximately $75 million, after tax and reinsurance,
attributable to the company's reportable business segments as follows:

-- Commercial, approximately $30 million;

-- Specialty, approximately $21 million; and

-- Personal, approximately $24 million.

These estimated losses,combined with the previously announced loss estimates
from Hurricane Charley, are expected to reduce the company's diluted earnings
per share for the third quarter of 2004 by approximately $0.31. Estimated
losses from Hurricane Ivan are currently not available.

St. Paul Travelers is a leading provider of insurance and asset management
services. For more information, visit www.stpaultravelers.com.

Forward-Looking Statements

Within the meaning of the Private Securities Litigation Reform Act of 1995,
all statements in this press release other than statements of historical facts
are "forward-looking statements" that may involve risks and uncertainties.
Actual results of matters addressed in these forward-looking statements may
differ substantially from those expressed or implied. For a discussion of
factors that could cause actual results to differ, please see the comments
under the heading 'Forward-Looking Statements' in the company's most recent
quarterly report on Form 10-Q with the Securities and Exchange Commission.

CONTACT: St. Paul Travelers, Saint Paul
Media:
Shane Boyd, 651-310-3486
or
Marlene Ibsen, 860-277-9039
or
Institutional Investors:
Maria Olivo, 860-277-8330
or
Chuck Chamberlain, 860-954-3134
or
Individual Investors:
Marc Parr, 860-277-0779