The below is taken from https://www.maketecheasier.com/fix-frozen-mac-when-updating-macos.
Apple today released a new Safari 14.1.2 update that's available for macOS Catalina and macOS Mojave users. The update likely includes important security fixes, but Apple has yet to outline what. But everyone else can upgrade to Mojave from an older OS – or even revert, with some effort. Installing Mojave, not Catalina. Apple has official update instructions, with a link to the direct download and details on which Mac models are capable of running Mojave. (If you have a pre-2012 Mac, you’re likely stuck where you are.).
If it’s clear that your Mac update isn’t going anywhere, then hold down the power button to turn off your Mac. Once you’ve done this, boot your Mac into Safe Mode. There are several ways to do this, but the simplest is by holding the Shift key as it’s booting.
The Apple logo should appear on your screen with a loading bar, and after that you should boot into Safe Mode. From here, run the macOS update as you normally would to install the update – hopefully without a hitch.
A very quick and easy thing to do that could save you a lot of hassle with stuck updates (or other malfunctioning Apple services) is to go to the official Systems Status page. Here you’ll see the status of just about every Apple service you can think of. Look over at the status of “macOS Software Update” to see whether the update servers are working as they should. If the bubble is green, then they’re fine and the issue lies elsewhere. If it’s red or yellow, then you’re just going to have to sit out the problem until servers are back to normal.
Speaking of sitting it out…
As painful as it sounds, you may just want to let the Mac sit for a couple of hours and see if it is indeed frozen. Sometimes, the update could be stuck in a lull but not completely frozen. Some update processes will take much longer than others, resulting in a seemingly stuck progress bar.
We can verify that the system is still updating by pressing Command + L to bring up the estimated install time. If this doesn’t appear, still let the update sit for a while.
Some users have reported their update taking upwards of ten hours. Grab a coffee, do some other work, run some errands, do whatever you need to do to burn some time and let your Mac do its thing. Big system updates (sometimes) take a whole lot of time!
If you are positive that the install is indeed frozen, you will want to take the following steps, and the following steps consecutively after this step, until the issue is resolved.
Let’s try to give the install a little kick by refreshing it.
If there is no avail, continue onto the next solution below.
NVRAM, as Apple describes it, is “a small amount of your computer’s memory that stores certain settings in a location that macOS can access quickly.” It also happens to hold kernel panic information, which is what we’re tapping into and especially trying to reset here.