The St. Paul Travelers Companies, Inc. (NYSE: STA) is the second largest underwriter of commercial property casualty and personal insurance in the United States.

A merger between The St. Paul Companies and Travelers Property Casualty Corporation occurred on April 1, 2004 forming St. Paul Travelers. The company is headquartered in Saint Paul, Minnesota but has major operations in Hartford, Connecticut, the former headquarters of Travelers Property Casualty. There are field offices in every U.S. state, plus operations in the United Kingdom, Ireland, Canada and Mexico. In 2004, the company reported revenues of US$23 billion and total assets of $112 billion.

The St. Paul Travelers Companies, Inc., through its subsidiaries and nearly 11,000 agent and brokerage firms, provides commercial and personal property and casualty insurance products and services to businesses, government units, associations, and individuals in the United States. The company offers insurance through three segments, Commercial, Specialty, and Personal, primarily under the Travelers brand:

• The Commercial segment offers various property and casualty insurance and insurance-related services to its clients through independent agencies and brokers.
• The Specialty segment provides various insurance coverage and services through underwriting, claims handling, and risk management groups.
• The Personal segment writes various types of property and casualty insurance covering personal risks. Its products are distributed through independent agents and sponsoring organizations, such as employee and affinity groups, as well as through joint marketing arrangements with other insurers.

Prior to the merger, in 1998 The St. Paul Companies acquired USF&G known formerly as United States Fidelity and Guaranty Company, a Baltimore, Maryland based insurance company.

The St. Paul Companies was founded in 1853 and Travelers Property Casualty Corp. was founded in 1864.