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.