Yes, photographers can be hired privately. We just returned from the Disney Magic where our son proposed to his girlfriend onboard. We spoke to Dave (Shutters manager) and arranged for an hour of private photographs to be taken as memories and hopefully engagement announcements. It's referred to as a special shoot and cost $85 for one hour for the photographer, then 6.95 for each 4 x 6" photo you choose. We were assigned Ellen (terrific woman from the Phillipines) who took 40 photos all over the ship inside & out, changes of clothes if desired, some with DVC hats & Mickey ears...with all of the available backgrounds from each evening, many neat ship locations that photograph beautifully and even developed some of them in black and white as well as color! They are very creative and know what they are doing as they do all of the onboard events, weddings as well as the daily portraits.
We got the prints in three hours and had overnight to select the ones we wanted...tough choice as they were almost all excellent! What a wonderful experience and memory...and overall cheaper than buying pics each night...and still having a photographer at home do formal engagement photos. Now, we've got memories, and one thing to do checked off our list!