When a graphic designer set up an e-book cover for me, they informed me that there would have to be an extra charge of $300 to license the photo they used in the design that came from one of their professional photo databases.
One of my clients had a web designer use photos that they had no permission to use and had to take them down and redesign the site when this was identified later.
Make sure that you know who owns any of the photos used in your web site.I use services like Stock.Exchange and IStockPhoto to find good quality royalty free photos to use on my web site and in my newsletters. Most of these photos are free or very low cost. ($1 to $3 per photo at IStockPhoto.