Now it's possible NRG has additional coverage, but there's no evidence of that from the documents.
We do not know what insurance policies are carried by Live Nation orTravis Scott, although it's certain they have some coverage. But, whatever it is, when you total all of it together, it's unlikely it will cover the enormous judgments that could be coming their way. If the injured and the families of the dead get judgments, the policies will cover them as far as the money goes, but once the limit is reached Travis and the various companies would be personally on the hook for the balance.
It's not that the policies were not written properly, because no one could have anticipated the scope of the disaster.