Doubt about copyright/trademark

Hi guys,
I have a question regarding copyright/trademark issue.

What if I get into trouble using an Envato photo ? Am I completely covered?

I’m asking because I saw some photos in Envato library of “protected” buildings/monuments that shouldn’t be allowed the commercial license. So, what if I used one of them and got a lawsuit ? Envato doesn’t have an indemnification insurance like other stock photo companies.