We report a double-cladding fluoroindate fiber with three layers of step refractive index glass. The gain double-cladding fluoroindate fiber is fabricated by the traditional rob-in-tube method. It possesses a tunable refractive index from 1.46 to 1.51 via modification of glass components. The good thermal–mechanical performance of fluoroindate glass protects fiber against thermal damage. The luminescence characteristics and radiation parameters are studied, and the results indicate enhanced emission with the higher Er3+ doping concentration. The maximum output power and the slope efficiency of heavily erbium-doped fiber laser are about 1.2 W and 16.3 %, respectively. The numerical modeling of a heavily-erbium-doped fluoroindate fiber laser is also carried out and compared with our experimental results. The low phonon energy and high laser damage threshold of fluoroindate glass allow for higher output power and efficiency of fiber lasers. In brief, this is the first study on watt-level 2.7 μm fiber laser in all-solid double-cladding fluoroindate fibers to our knowledge.