For copyright reasons, it is usually necessary to acknowledge the photographer or image source, if known. You should include the source or credit either with the image or somewhere else in the publication, such as in the imprint text. Cover image details should be included in the imprint text or as close to the inside cover as practical:
Photo without a caption:
Photo: B Smith
Photo: B Smith, CSIRO
Photo with a caption:
Groundwater monitoring bores (photo: B Smith)
Groundwater monitoring bores (photo: B Smith, CSIRO)
or
Photo: B Smith
Groundwater monitoring bores
Numbered figure:
Photo: B Smith
Figure 1 Groundwater monitoring bores