Position the oven rack in the lower third of the oven and preheat to 350°F.
In a medium bowl, whisk together the flour, baking soda, cinnamon, nutmeg, cloves, and salt. Set aside.
In a large bowl, whisk the eggs, granulated sugar, and brown sugar until smooth. Add the pumpkin puree, canola oil (or melted coconut oil), and coconut milk (or almond milk), stirring until well combined.
Gradually add the dry mixture to the wet mixture, stirring until just combined. Be careful not to over mix.
Gently fold in the semi-sweet chocolate chips, reservinga few to sprinkle on top.
Pour the batter into the prepared loaf pan, filling it about ¾ full. The batter will rise as it bakes, so it's better to leave some space to prevent overflow.
Sprinkle the reserved chocolate chips on top of the batter.
Bake for 55-65 minutes, or until a toothpick inserted into the center comes out clean or with a few moist crumbs. If the top browns too quickly, loosely cover it with foil during the last 15 minutes of baking.
Let the bread cool in the pan for 10 minutes, then transfer it to a wire rack to cool completely before slicing.