8-K

                                 UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549


                                   FORM 8-K


                                CURRENT REPORT
    Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

     Date of Report (Date of earliest event reported):  October 6, 2004

                    The St. Paul Travelers Companies, Inc.
            (Exact name of registrant as specified in its charter)


          Minnesota                    001-10898             41-0518860
(State or other jurisdiction of  (Commission File Number)   (IRS Employer
       incorporation)                                       Identification
                                                               Number)

             385 Washington Street                              55102
             Saint Paul, Minnesota
 (Address of principal executive offices)                    (Zip Code)

                                (651) 310-7911
             (Registrant's telephone number, including area code)

                                Not Applicable
         (Former name or former address, if changed since last report)

     Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions (see General Instruction A.2. below):

     |_| Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)

     |_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)

     |_| Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))

     |_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))





Item 2.02.  Results of Operations and Financial Condition.

On October 6, 2004, The St. Paul Travelers Companies, Inc. (the "Company")
issued a press release announcing its preliminary estimate for losses from
Hurricane Ivan for the third quarter and adjusting the Company's diluted
earnings per share for the third quarter. The press release is attached as
Exhibit 99 to this Report, is incorporated herein by reference and shall be
deemed "filed" for purposes of the Securities Exchange Act of 1934, as
amended.

Item 8.01.  Other Events.

The information set forth in Item 2.02 above is hereby incorporated herein by
reference.

Item 9.01.  Financial Statements and Exhibits.

         (c) Exhibits.

             The following exhibit is filed herewith:

Exhibit No.  Description

99           Press release issued by The St. Paul Travelers Companies,
             Inc. on October 6, 2004.




                                  SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date:    October 6, 2004           THE ST. PAUL TRAVELERS COMPANIES, INC.

                                   By:     /s/ Bruce A. Backberg
                                           -----------------------------------
                                           Name: Bruce A. Backberg
                                          Title: Senior Vice President




                                 EXHIBIT INDEX

Exhibit No.       Description

99                Press release issued by The St. Paul Travelers Companies,
                  Inc. on October 6, 2004.

EX-99

                                                  St. Paul Travelers Companies
ST PAUL                                           385 Washington Street
TRAVELERS                                         St. Paul, MN 55102-1396
                                                  www.stpaultravelers.com

News Release

     St. Paul Travelers Estimates Hurricane Ivan Losses; Company Schedules
               Third Quarter Earnings Release, Conference Call

SAINT PAUL, Minn.--Oct. 6, 2004--St. Paul Travelers (NYSE:STA) announced today
that it estimates losses from Hurricane Ivan to be approximately $94 million,
after tax and reinsurance, attributable to the company's reportable business
segments as follows:

- -- Commercial, approximately $49 million;
- -- Specialty, approximately $26 million; and
- -- Personal, approximately $19 million.

These estimated losses are expected to reduce the company's diluted earnings
per share for the third quarter of 2004 by approximately $0.14. Including the
previously announced loss estimates from Hurricanes Charley and Frances, the
combined losses from all three hurricanes are expected to reduce the company's
diluted earnings per share for the third quarter of 2004 by a total of
approximately $0.45. Estimated losses from Hurricane Jeanne are currently not
available.

St. Paul Travelers expects to release complete third-quarter 2004 earnings
after the market closes on Wednesday, Oct. 27, 2004. The news release and
supplemental financial information will be available subsequently on the
company's Web site at www.stpaultravelers.com. The quarterly conference call,
which will include a review of third-quarter 2004 financial results, will be
held at 9 a.m. EDT (8 a.m. CDT) Thursday, Oct. 28. The call will be available
in live audio on the investor section of the St. Paul Travelers Web site.

St. Paul Travelers is a leading provider of property casualty 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 filed with the Securities and Exchange
Commission.

CONTACT: St. Paul Travelers, Saint Paul
Media:
Shane Boyd, 651-310-3846
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