sub insert_file {
  my $file = shift;
  my $path = "/home/www/artoflivingdelhi.org/$file";
  unless (open(F, "<", $path)) {
    warn "insert_file: open of $path failed: $!";
    print "<!-- insert_file: open of $path failed: $! -->\n";
  } else {
    while (<F>) { print $_, "\n"; } # just copying what you have
    close(F);
  }
}

##</code><code>##

use strict;
use warnings;
use CGI qw(:standard);
...

print header();
...
insert_file("frame.txt");
...
insert_file("local_frame_left.txt");
...