Preheat the oven to 350°F (177°C). Grease a 9x5-inch loaf pan and set it aside.
In a large bowl, whisk together the flour, baking soda, cinnamon, nutmeg, cloves, ginger, and salt.
In another bowl, whisk the eggs, granulated sugar, and brown sugar until combined. Add the pumpkin puree, oil, and orange juice or milk. Whisk until smooth.
Pour the wet ingredients into the dry ingredients. Gently stir with a spatula or wooden spoon just until combined. A few small lumps are fine. Avoid overmixing.
Fold in the chocolate chips if using.
Transfer the batter to the prepared loaf pan and spread it evenly.
Bake for approximately 60 to 65 minutes. Begin checking around 55 minutes. If the top becomes too brown before the center is finished, loosely cover it with aluminum foil.
Insert a toothpick into the center. The Pumpkin Bread Loaf is ready when it comes out clean or with a few moist crumbs and no wet batter.
Let the loaf cool completely before removing it from the pan and slicing.
For the optional glaze, whisk powdered sugar, milk, vanilla, and cinnamon until smooth. Drizzle over the completely cooled loaf and allow the glaze to set before serving.