This is a female bumble bee, but you should notice the stinger! It is only female bees and wasps that can sting, but the venoms can be quite different. Most bees and wasps are solitary, and their venom is mostly to fend off other bees, wasps and parasitic insects; as such, only in a few cases would we experience a painful sting. Bumble bees are social and live in colonies, and have evolved venoms which defend the colony against vertebrate predators such as bears. Getting stung by a bumble bee, honey bee, or social wasps is a much more painful experience as a result.