When you click on links to various merchants on this site and make a purchase, this can result in this site earning a commission. Affiliate programs and affiliations include, but are not limited to, the eBay Partner Network.
If you put that pic on Facebook (your photos, group page, etc.) their user agreement says they can use it for whatever they want. At least I think I remember reading that somewhere.
But FB is not offering the insurance. Who is "using" the picture?