I’ve seen these fat bee-looking guys around before. They aren’t quite as dopey as bumblebees. Nor as cute and fuzzy. Plus, these flies will hover around you in an annoying fashion instead of posing as a proper bumblebee would.
It’s because they aren’t bees at all. I looked up what this little beast may be, and it turns out that it’s a Hoverfly. Possible an Eristalis dimidata, but don’t quote me on that.