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): November 16, 2005


                     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) Number)                                     Identification)

      385 Washington Street
      Saint Paul, Minnesota                                          55102
- ----------------------------------------                           ---------
(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 8.01     Other Events.

On November 16, 2005, The St. Paul Travelers Companies, Inc. issued a press
release announcing its preliminary estimate for losses relating to Hurricane
Wilma. The press release is filed as Exhibit 99 to this Report and is
incorporated by reference herein.


Item 9.01.    Financial Statements and Exhibits.

       (c)  Exhibits.


Exhibit No.   Description

99            Press release issued by The St. Paul Travelers Companies, Inc.,
              dated November 16, 2005.






                                   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: November 17, 2005                 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.,
             dated November 16, 2005.

EX-99

[Logo of St Paul Travelers]                      St. Paul Travelers Companies
                                                 385 Washington Street
                                                 St. Paul, MN 55102-1396
                                                 www.stpaultravelers.com


NEWS RELEASE


                  St. Paul Travelers Issues Initial Estimate of
                     Catastrophe Losses from Hurricane Wilma

     SAINT PAUL, Minn.--(BUSINESS WIRE)--Nov. 16, 2005--The St. Paul Travelers
Companies, Inc. ("St. Paul Travelers," NYSE:STA) announced today that its
preliminary estimate for catastrophe losses relating to Hurricane Wilma is
approximately $220 million, after tax, net of reinsurance. This amount is
based upon an estimated gross catastrophe loss of $410 million.

     For the third quarter of 2005, St. Paul Travelers reported catastrophe
losses of $1.009 billion, after tax, net of reinsurance and including the cost
of reinstatement premiums, relating to Hurricanes Katrina and Rita. At this
time, these estimates remain unchanged.

     The estimates for Hurricanes Katrina, Rita and Wilma were developed
through analyses of claims reported and anticipated to be reported, the values
of properties in the affected areas, damage projections estimated by wind
force and the presence of other perils, anticipated costs for demand surge and
other factors requiring considerable judgment. Due to the complexity of
factors contributing to these losses, there can be no assurance that St. Paul
Travelers' total costs for these hurricanes will not differ materially from
its current estimates.

     All statements in this press release other than statements of historical
facts are "forward-looking statements" within the meaning of the Private
Securities Litigation Reform Act of 1995. Actual results of matters addressed
in these forward-looking statements involve risks and uncertainties and may
differ substantially from those expressed or implied. Some of the factors that
could cause actual results to differ are discussed in this press release and
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.

     St. Paul Travelers is a leading provider of property casualty insurance.
For more information, visit www.stpaultravelers.com.

                                      ###

Contacts

Media:                    Institutional Investors:       Individual Investors:
Shane Boyd                Maria Olivo                    Marc Parr
651.310.3846, or          860.277.8330, or               860.277.0779
Joan Palm                 Michael Connelly
651.310.2685, or          860.277.1507
Marlene Ibsen
860.277.9039