Preheat oven to 375°F. Grease a 9x13 baking dish.
Brown ground beef in a large skillet over medium-high heat, undisturbed 3 minutes, then break apart and cook fully. Drain most fat, leaving 1 tablespoon.
Cook onion and bell pepper 4 to 5 minutes until soft. Add garlic and cook 1 minute. Stir in baked beans, tomatoes, Worcestershire, and spices. Simmer 6 to 8 minutes until thick. Season with salt and pepper.
Transfer filling to baking dish. Top with 1 cup cheddar.
Mix Jiffy, egg, milk, and sour cream until just combined with small lumps. Fold in corn if using. Spread batter over filling to the edges. Top with remaining cheddar.
Bake uncovered at 375°F for 25 to 30 minutes until cornbread is golden and a toothpick comes out clean. Rest 5 minutes before serving.